5
out of 5
POSTED: | BY: Judy Tassie
So far great customer service
So far great customer service and extremely knowledgeable people on the phones.
4.8
out of 5
Number of reviews 25,888
Trupanion pets lead longer happier lives.1 Pets insured with Trupanion lived longer than pets without Trupanion because pet parents didn’t have to worry about the cost of the care their pet needed. Depending on the plan Trupanion covers up to 90% of eligible expenses, has unlimited payouts-always, and can pay your vet bill, within seconds, at time of checkout, so all you pay is your portion (anything not covered by Trupanion). They have transformed the way pet insurance handles claims by eliminating the reimbursement process.
Trupanion was founded in Canada and provides bets-in-class coverage and is dedicated to helping pets we love get the care they need. They’ve been around for more than 20 years, making them experts and setting standards for the industry. One perk of this, and what they pride themselves on, is the amount they pay out to pet owners for each claim. Paying out more on the dollar than any other pet insurance provider. To date they have paid out $2 Billion in claims and have insured nearly 1 million pets.
To put it simply, there is a reason why 98.7% of Trupanion members stay enrolled every month.
1Based on a December, 2020 Trupanion study analyzing third party hospital claims data comparing pets insured with a Trupanion policy to pets without a Trupanion policy.
*Terms and conditions apply. Please view your sample policy for complete coverage details.
Underwritten in Canada by Omega General Insurance Company and in the United States by American Pet Insurance Company and ZPIC Insurance Company, 6100-4th Ave S, Seattle, WA 98108. Administered in Canada by Canada Pet Health Insurance Services, Inc. dba trupanion and in the United States by Trupanion Managers USA, Inc. (CA license No. 0G22803, NPN 9588590). Please visit AmericanPetInsurance.com to review all available pet health insurance products.
1
out of 5
POSTED: | BY: Tanina Dimopoulos
Huge SCAM!!!
I am canceling my plan after 5 years of paying so much money to this scam of a company! I signed up when my dog was just a year and a half years old after I read such great reviews online! I started out paying $74 per month for a plan with a $250 deductible and slowly payments kept increasing until I was paying over $85 per month when I submitted my first claim when my dog was suffering from an ear infection- my claim was denied, stating there were missing files from previous vet clinic records. I sent many emails, with more documents and tons of proof he never suffered from ear infections! I sent copies of every visit documented at both clinics, and continuously arguing and denying their statements that this was a pre-existing illness! I finally received a cheque for $48 on my $380+ in vet fees. As I was very upset and had argued my point as much as possible, I called considering to cancel my plan. They convinced me to increase my deductible and pay lower premiums/monthly fees. I now have a plan with a higher deductible, and my monthly fees began at $48 with the changes made, but has quickly increased to over $54 per month over the year and I just submitted a claim for an injury my dog suffered to his knee while running at the Dogpark. We paid over $850 for xrays and diagnostics and again they have denied this claim stating pre-existing degenerative causes - how is an injury a pre-existing illness you scammers?!?! They are basing this on a visit to the vet when my dog was stung by a bee when he was a year old but the vet we had gone to quickly assumed he needed X-rays to determine the cause for swelling/inflammation because he’s obviously an idiot too and I refused and asked only to give the dog an anti inflammatory and he was instantly better the next day and I could see the bee stinger and therefore not a reason to make this a preexisting degenerative disease issue. I’m so angry for allowing myself to be scammed for 4 years of premiums When i could have put that money in an investment that I would have been worth a lot more to be put towards all the vet bills to date . They denied my coverage based on bullshit and I am canceling so I won’t be giving these scammers another cent! If you’re looking for pet insurance, this is not the one to choose! Don’t believe the fake reviews claiming how great they are! Trupanion is a HUGE SCAM!!!
5
out of 5
POSTED: | BY: Jady Fitton
Excellent Service!
I've been a client of Trupanion for many years and you are efficient and excellent to work with!
5
out of 5
POSTED: | BY: Victoria Jones
Never disappointed.
I've dealt with Trupanion with other pets, and have never been disappointed.
5
out of 5
POSTED: | BY: Kerry Rosenbach
Every single time you are beyond helpful and professional.
Every single time I've talked to anyone from your company they are beyond helpful and professional. You must have a great company culture!
Monthly Cost
Monthly cost varies due to multiple factors including: species, breed, age at enrollment, gender, and postal code.
Coverage
One simple plan covers new injuries and illnesses, hereditary, congenital, and chronic conditions—once the deductible is met, Trupanion pays 90% of the remaining invoice.
To view a full list of inclusions and exclusions, check out our sample policy here.
Payout Limits
Unlimited lifetime payouts on eligible conditions with no payout limits-ever.
Deductible
You can choose your deductible from $0 – $1000, in $5 increments, to fit your budget.
Trupanion offers a lifetime, per condition deductible meaning that once the deductible is met for an eligible condition, you never have to meet it again. That condition is covered for life. This is great for chronic conditions that can span the entirety of a pet’s life such as allergies or cancer.
Age Limits
All pets under 14 years old can enroll.
Once enrolled, pets stay insured regardless of age.
Waiting Period
Accidents: 5 days
Illnesses: 30 days
Other providers may have additional waiting periods for congenital conditions like hip dysplasia, Trupanion does not.
Exclusions
Trupanion was developed to protect you and your pet from unexpected illnesses and injuries. That means we don’t cover “predictable” care costs that you can plan ahead for, like:
Examination fees
Wellness and preventive care
Elective, or cosmetic procedures
Sales tax, where applicable
Like all pet insurance providers, Trupanion does not cover pre-existing conditions. Whichever insurer you choose, it pays to enroll early!
*Terms and conditions apply. Please view your sample policy for complete coverage details.
Trupanion was founded in 2000 with the goal to help pet owners plan for the unexpected and take the cost out of the care equation. They believe that the pets—and the veterinary professionals who help them—deserve better. That’s why Trupanion is a proud member of the North American Pet Health Insurance Association.
Our members know we’re ahead of the pack, because there’s pet insurance—then there’s Trupanion:
24/7/365 Member Support—yes, even on holidays
20+ years of experience
$2 Billion paid in claims
Over 800,000 pets protected
Unlimited Payouts
The only provider that can pay your veterinarian directly at checkout*
Accepted everywhere in the USA, Canada, Puerto Rico, and Australia
* At participating hospitals
Trupanion is a registered trademark owned by Trupanion, Inc. Underwritten in the United States by American Pet Insurance Company and in Canada by Omega General Insurance Company